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Learn more about our principles
of investing

PRINCIPLES

For better investing results, control costs — and confusion.

AARP Financial Inc. has identified five principles aimed at making every investor and investment approach more successful: low fees, diversification, indexing, rebalancing and simple choices. These principles are the foundation of the AARP Funds, which were created to make it easier for every American to invest for retirement or other financial goals.

	Look for low fees and expenses While the returns a fund earns are important, don't overlook the fees. They could cost a lot more than you realize. We help you keep more by charging less.
	Use Index funds* Indexing may be one of the most cost effective ways to invest.
	Diversify your investments** Diversification helps control risk by spreading your money among different companies and kinds of investments. AARP Financial's lifestyle funds make it easier. Each one may serve as a complete portfolio by itself.
	Rebalance^ As investments go up or down in value, your portfolio might lose its intended balance of asset classes and create additional risk. AARP Financial's lifestyle funds are rebalanced automatically^.
	Focus on Simplicity It's easy to become overwhelmed by the complexity of the markets — and stay out of them. AARP Financial narrows it down to five professionally managed funds to help meet your investment needs.

 

FINANCIAL ADVISORS

The help you need. The trust you deserve.

AFI Financial Advisors are different from those you'll find at other financial institutions.

Our Financial Advisors are salaried, non commissioned employees. They speak in plain English, not jargon, and take the time to explain anything that's confusing you. And help answer the important questions, such as:

"Do I have the right investments?"
"Will my savings last through retirement?"
"How much can I withdraw every month?"

And do it all right over the phone.

They can also create customized retirement plans that are easy to follow and may help you reach your retirement goals.

When you get to know our Financial Advisors, you'll feel the same way we do.

 

MISSION

Not just servicing the market. Changing it.

At AARP Financial, we want to set the standard for financial products geared towards Americans over the age of 50 — or anyone preparing for retirement. By offering access to a variety of products and services, it's our hope we can create a positive change in how people think about investing. And how they do it.

We want to make investing open to everyone so we do something unique: we listen. Through research, surveys and focus groups. And then use what we learn to create or find the products and services that may best fit your needs. It's what led us to simplify investing to just five choices. And make it possible to open an account with an initial investment of $25.

For nearly half a century AARP has worked toward improving the quality of life for people over 50. AARP Financial, Inc. extends this historic commitment to provide you with straight forward guidance so you can make decisions with confidence.